Pet Insurance Austria 2026: Dogs, Cats & Coverage Guide
Pet insurance in Austria 2026: Vet costs, liability, health coverage for dogs and cats. Compare the best providers and find the right policy.
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Dog Insurance Austria
Compare dog liability & dog health insurance. Mandatory in 6 states – protect yourself from high costs.
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The Two Types of Dog Insurance
Dog Liability Insurance
Protects you from compensation claims when your dog causes damage. Legally required in 6 Austrian states.
- Personal injury (e.g., bite injuries)
- Property damage (e.g., destroyed furniture)
- Financial losses
- Rental property damage
- Coverage up to several million euros
Dog Health Insurance
Covers veterinary costs for treatments, surgeries, and medications. Protection against high vet bills.
- Vet visits and treatments
- Surgeries and aftercare
- Medications
- Preventive care (optional)
- Up to €5,000 per year
Where is Dog Liability Mandatory?
Dog liability insurance is legally required in 6 of 9 Austrian states:
Vienna
RequiredLower Austria
RequiredUpper Austria
RequiredStyria
RequiredSalzburg
RequiredTyrol
RequiredCarinthia
OptionalBurgenland
OptionalVorarlberg
OptionalWhy Dog Insurance?
1
Unlimited Liability
As a dog owner, you are liable without limit for all damages your dog causes.
2
High Costs
A bite incident can quickly cost €100,000+ – treatment, pain compensation, lost wages.
3
Household Insurance Not Enough
Most household insurance policies explicitly exclude dogs.
4
Legal Requirement
In 6 states, fines up to €7,000 apply without insurance.
What Does Dog Insurance Cost?
Costs vary depending on breed, age, and chosen coverage:
| Insurance Type | Cost |
|---|---|
| Dog Liability Basic | €40 - €80/year |
| Dog Liability Premium | €80 - €150/year |
| Dog Health Surgery-Only | €150 - €300/year |
| Dog Health Full Coverage | €300 - €600/year |
| Combo Package (Liability + Health) | €400 - €700/year |
Save up to €300 per year by comparing!
Listed Dogs & Higher Premiums
Special rules apply to so-called "listed dogs" (dangerous breeds):
- Higher insurance premiums
- Muzzle and leash requirements in many states
- Proof of expertise required
- Special keeping permit needed
Affected breeds (varies by state): American Staffordshire Terrier, Bull Terrier, Pitbull, Rottweiler, Dogo Argentino, etc.
Dog Insurance Guides
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